host: john in massachusetts, independent. caller: hi. a lot of people talk about regulation or not regulation. if we have absolutely no regulations or as little regulations as possible, the atm fee of $3.50 or $3.95 will probably go up a lot higher. it's the same thing in all sectors. you probably have some kind of regulation because of predatory lending, credit toward businesses, large corporations will do what they want to and when they want to without some kind of regulation. host: that brings up the role of the consumer financial protection bureau. guest: >> right. they're looking at prepaid cards and checking accounts to make sure these types of things will not a trip up consumers, will not give them hidden fees that they will not see coming, more transparency, more disclosure. host: what are they looking at when it comes to traditional checking it? guest: we will have to see what they come out with. we put in a request in the spring, so we assume something will been coming out after next year probably. host: does that include a rul